This is my first home and I was not clear about the process. Erik is someone whom you can ask any question and multiple times, he will always make explain it calmly and clear doubts. He is very easily reachable and gives a clear breakup and understanding of mortgage liabilities. He also offered help to decide in choosing correct insurances. I felt very comfortable in communicating with Erik and would like to thank him for his guidance in this process. Also one point to add , the mortgage approval process was super quick for me.